Most banks close on Veterans Day, but the timing depends on which day the holiday falls

Yes, most banks close on Veterans Day (November 11). If November 11 falls on a weekday, your bank will be closed that day. If November 11 falls on a Saturday or Sunday, banks observe the holiday on the nearest weekday — usually the Friday before or the Monday after.

The Federal Reserve and most major banks treat Veterans Day as a federal holiday, which means branches shut down and no clearing happens that day. ATMs and online banking stay open, but you cannot deposit checks, withdraw cash at the counter, or speak to a banker.

Some credit unions and smaller regional banks may have different hours, so checking your specific bank's website before the holiday is the only way to be certain.

Key Takeaways

  • Banks close on Veterans Day when it falls on a weekday (Monday through Friday), and observe it on the nearest weekday if November 11 is a weekend.
  • ATMs and online banking work normally on Veterans Day, but you cannot make deposits, withdrawals, or speak to staff at a branch.
  • Check your bank's website or call the branch directly to confirm hours, because some credit unions and regional banks may stay open.
  • If you need cash or to deposit a check before the holiday, plan ahead — the last business day before Veterans Day is your important date.

How Veterans Day affects different types of banking services

In-person branch services stop completely on Veterans Day. You cannot withdraw cash from a teller, deposit checks, open accounts, or get a cashier's check. If you need any of these, you must visit on the business day before the holiday.

ATMs remain open and work as usual. You can withdraw cash, check your balance, and transfer money between your own accounts using the ATM network.

Online and mobile banking stays available. You can check balances, transfer money between accounts, pay bills, and send money to other people — but the actual movement of funds between banks may be delayed until the next business day.

Wire transfers and ACH payments initiated on Veterans Day will not process until the next business day. The Federal Reserve does not clear payments on federal holidays, so any transaction you start on November 11 sits in queue until November 12 (or the next business day if the holiday falls on a Friday).

When Veterans Day closures affect your money movement

If you are expecting a deposit — paycheck, tax refund, or transfer from another account — and Veterans Day falls on a weekday, that deposit will not hit your account until the next business day. Banks and the Federal Reserve do not process deposits on federal holidays.

If you send a wire transfer or ACH payment on Veterans Day, it enters the system but does not move until the next business day. This matters if you are paying a bill with a important date. A payment sent on Veterans Day (Monday) will not clear until Tuesday, so if your bill is due Tuesday, you may be late.

Check payments work differently. If you write a check and give it to someone on Veterans Day, the bank that receives it will not deposit it until the next business day. The check itself does not care about the holiday — it just sits in the recipient's stack until they can deposit it.

Planning ahead for Veterans Day banking

If you know you will need cash or need to deposit a check before Veterans Day, visit your bank on the last business day before the holiday. This is usually November 10 (if Veterans Day is November 11 and falls on a weekday).

If you have bills due around Veterans Day, pay them the business day before. Do not rely on a payment clearing on the holiday itself — the Federal Reserve does not process payments, so you risk being late.

If you are expecting a paycheck or other deposit that normally arrives on or around Veterans Day, check with your employer or the source of the deposit. They may have already adjusted the timing, or the deposit may arrive the next business day automatically.

What happens if Veterans Day falls on a weekend

When November 11 falls on a Saturday, banks observe Veterans Day on Friday, November 10. When November 11 falls on a Sunday, banks observe it on Monday, November 12. The Federal Reserve publishes its holiday schedule each year, and banks follow it.

This matters because you need to know which day to plan around. If Veterans Day is observed on Friday, you have Thursday as your last full business day. If it is observed on Monday, you have Friday as your last full business day before the closure.

Credit unions and regional banks may have different hours

Most credit unions close on Veterans Day because they follow the Federal Reserve holiday schedule. However, some credit unions operate independently and may stay open. Call your credit union directly or check their website to confirm.

Smaller regional banks almost always close on Veterans Day, but a few may have limited hours or stay open at certain locations. Again, your bank's website or a phone call is the only reliable way to know.

Online-only banks have no branches, so there are no hours to close. You can use their services normally on Veterans Day, though any transfers to or from other banks will process the next business day.

Frequently Asked Questions

Can I use my ATM on Veterans Day?

Yes. ATMs work 24/7 on Veterans Day, including cash withdrawals, balance checks, and transfers between your own accounts. You just cannot visit a branch or speak to a banker.

Will my paycheck deposit on Veterans Day?

No. The Federal Reserve does not process deposits on federal holidays, so a paycheck that would normally arrive on Veterans Day will arrive the next business day instead. Direct deposits scheduled for that day are delayed automatically.

What if I send a wire transfer on Veterans Day?

The wire enters your bank's system but does not move to the receiving bank until the next business day. If you have a time-sensitive payment, send it the business day before the holiday to may support it clears on time.

Do online banks close on Veterans Day?

Online-only banks have no branches, so they do not "close." You can log in and use your account normally. However, transfers to or from other banks will not process until the next business day because the Federal Reserve is closed.

How do I know if my specific bank is closed?

Check your bank's website — most post their holiday hours in advance. You can also call the branch directly or use the bank's mobile app, which often displays current hours. Credit unions and regional banks may have different schedules, so do not assume all banks follow the same closure.